Lowest closing cost mortgage lenders in Howard County County, Maryland
In Howard County, Maryland, homebuyers paid a median of $7,069 in closing costs in 2024 — below the Maryland median of $7,916. The county saw 2,902 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $724, which is $5,791 less than the county median.
Homebuyers in Howard County County who chose PULTE MORTGAGE LLC paid $6,345 less in closing costs than the county median.
County Median Costs
$7,069
−10.7% vs Maryland ($7,916)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,546
Purchase Originations
2,902
vs Maryland Median
10.7% below
$-847
vs National Median
4.9% above
$328
Lender rankings in Howard County County
60 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $724 | 6.990% | $0 | 11 | −$5,791 | |
| 2 | $3,848 | 6.562% | $950 | 16 | −$2,667 | |
| 3 | $4,037 | 6.500% | $0 | 52 | −$2,478 | |
| 4 | $4,837 | 6.500% | $1,270 | 12 | −$1,678 | |
| 5 | $4,918 | 5.875% | $985 | 16 | −$1,597 | |
| 6 | $4,995 | 6.850% | $1,640 | 27 | −$1,520 | |
| 7 | $5,201 | 6.625% | $1,690 | 27 | −$1,314 | |
| 8 | $5,278 | 6.500% | $1,198 | 37 | −$1,237 | |
| 9 | $5,341 | 6.562% | $1,598 | 10 | −$1,174 | |
| 10 | $5,382 | 6.812% | $2,123 | 20 | −$1,133 | |
| 11 | $5,383 | 6.625% | $1,700 | 57 | −$1,132 | |
| 12 | $5,480 | 6.990% | $1,355 | 37 | −$1,035 | |
| 13 | $5,500 | 6.625% | $1,300 | 24 | −$1,015 | |
| 14 | $5,536 | 6.312% | $1,250 | 36 | −$979 | |
| 15 | $5,579 | 6.250% | $995 | 34 | −$936 | |
| 16 | $5,623 | 6.750% | $1,375 | 10 | −$892 | |
| 17 | $5,642 | 6.990% | $1,590 | 26 | −$873 | |
| 18 | $5,652 | 6.750% | $1,640 | 32 | −$863 | |
| 19 | $5,662 | 6.562% | $995 | 20 | −$853 | |
| 20 | $5,677 | 6.490% | $1,698 | 68 | −$838 | |
| 21 | $5,763 | 6.312% | $1,901 | 36 | −$752 | |
| 22 | $5,794 | 6.875% | $1,868 | 32 | −$722 | |
| 23 | $5,796 | 6.875% | $3,015 | 25 | −$719 | |
| 24 | $6,068 | 6.688% | $3,589 | 10 | −$447 | |
| 25 | $6,086 | 6.812% | $1,695 | 14 | −$429 | |
| 26 | $6,105 | 6.500% | $2,706 | 27 | −$410 | |
| 27 | $6,171 | 6.750% | $2,577 | 12 | −$344 | |
| 28 | $6,227 | 6.625% | $1,818 | 54 | −$288 | |
| 29 | $6,322 | 6.933% | $2,858 | 22 | −$193 | |
| 30 | $6,392 | 6.750% | $2,028 | 19 | −$123 | |
| 31 | $6,396 | 6.625% | $2,600 | 26 | −$119 | |
| 32 | $6,444 | 6.875% | $2,623 | 16 | −$71 | |
| 33 | $6,538 | 6.875% | $3,774 | 31 | +$23 | |
| 34 | $6,566 | 6.625% | $2,443 | 13 | +$51 | |
| 35 | $6,613 | 6.875% | $3,134 | 70 | +$98 | |
| 36 | $6,694 | 7.062% | $3,139 | 10 | +$179 | |
| 37 | $6,721 | 6.625% | $2,006 | 68 | +$206 | |
| 38 | $6,828 | 6.000% | $1,675 | 12 | +$313 | |
| 39 | $7,014 | 6.500% | $4,733 | 137 | +$499 | |
| 40 | $7,080 | 6.625% | $3,530 | 18 | +$565 | |
| 41 | $7,093 | 6.750% | $1,449 | 40 | +$578 | |
| 42 | $7,173 | 6.750% | $3,827 | 42 | +$658 | |
| 43 | $7,569 | 6.480% | $2,576 | 22 | +$1,054 | |
| 44 | $7,731 | 6.625% | $4,552 | 59 | +$1,216 | |
| 45 | $7,745 | 6.500% | $4,835 | 30 | +$1,230 | |
| 46 | $8,018 | 6.990% | $4,240 | 41 | +$1,503 | |
| 47 | $8,225 | 6.625% | $4,754 | 11 | +$1,710 | |
| 48 | $8,348 | 6.625% | $4,920 | 12 | +$1,833 | |
| 49 | $8,398 | 6.624% | $4,677 | 112 | +$1,883 | |
| 50 | $8,495 | 6.875% | $3,214 | 118 | +$1,980 | |
| 51 | $8,573 | 6.990% | $5,226 | 13 | +$2,058 | |
| 52 | $8,743 | 6.625% | $5,992 | 13 | +$2,228 | |
| 53 | $8,867 | 6.625% | $5,101 | 34 | +$2,352 | |
| 54 | $8,918 | 6.625% | $2,508 | 24 | +$2,403 | |
| 55 | $9,080 | 6.620% | $5,554 | 14 | +$2,565 | |
| 56 | $9,375 | 6.624% | $6,292 | 29 | +$2,860 | |
| 57 | $9,524 | 6.750% | $3,786 | 16 | +$3,009 | |
| 58 | $9,650 | 6.625% | $6,329 | 103 | +$3,135 | |
| 59 | $10,250 | 6.875% | $6,365 | 11 | +$3,735 |
Includes lenders with 10+ purchase originations in Howard County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Maryland → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.